ppi query - capital one

nickc32

Just looking for bit of advice really. I have a credit card with capital one that I've had for a good few years. I know it's my own fault for not checking my statements, I am paying for ppi cover that I was unaware of. I've only checked what I needed to pay each month. I contacted them and asked how I go about cancelling as I was unaware of this being on my account. I have also sent the ppi claim letter to them. They replied to me today saying that I did not take ppi out when I applied for the card. They are saying that they rang me and I said I would take it. I cannot remember this happening. If it had then I wouldn't have been surprised by seeing it on my statement.
They said that as I have not been in touch about it before, my claim is not valid.
I was just wondering is this correct?
Also, can you still claim mis sold ppi if you are still paying for it.
Thanks for reading. I realise most of it my own fault for not checking my statements.

di3004

nickc32 wrote: »

Just looking for bit of advice really. I have a credit card with capital one that I've had for a good few years. I know it's my own fault for not checking my statements, I am paying for ppi cover that I was unaware of. I've only checked what I needed to pay each month. I contacted them and asked how I go about cancelling as I was unaware of this being on my account. I have also sent the ppi claim letter to them. They replied to me today saying that I did not take ppi out when I applied for the card. They are saying that they rang me and I said I would take it. I cannot remember this happening. If it had then I wouldn't have been surprised by seeing it on my statement.
They said that as I have not been in touch about it before, my claim is not valid.
I was just wondering is this correct?
Also, can you still claim mis sold ppi if you are still paying for it.
Thanks for reading. I realise most of it my own fault for not checking my statements.

Hi and welcome

Maybe you should try writing back and tell them, if you had known earlier then you would have dealt with this way by now.
Ask them to reconsider and try to give any further info you may have, ask if they can let you know by 14 days, and if you hear nothing or nothing changes you will consider taking it further, ie: FOS.

Good luck.